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I here you Jamie don't get me wrong I'm not sayin that I know where you can get the best rate, I know 1 company that's it. That's all I do. But that's all I specialise in that 1 company.

I don't research multiple banks policy's besides what picked up here. I know CBA policy, it's what I do all day everyday. Pete I respect you and we see eye to eye in many things but if you think that you have a better ability to write a loan through CBA with the assistance of your BDM over the...

So you think a broker has a better picture of a bank and the rates they can offer, a broker who deals with multiple banks, compared to someone who deals with the same bank every single day...

hrmm well the person I responded to didn't seem to think everyone was in sales Poor buggers...? should they not make sales, I don't get your angle?

Agreed I was talking about 1 lender :) can't comment on the others.

They don't receive commission they have sales targets, just like most business. They can also receive a bonus for exceed targets... bonus for teller a really good one might be <$2k in a year, nothing to write home about. Also they have service targets as well, which are very high standards. If...

Most of the comminsure products are pretty reasonable, I have no issues offering these products. I have had clients sick, injured and loss of employment who have had cover and others who have refused and they haven't been covered (it's not a nice feeling either way). What happens if I don't...

I'll challenge the little bit faster to a lot faster. But give you the more options :)

Or leave to become brokers ;)

Thanks Tobe but I don't have to answer for the bank bashing, I'm used to it... you guys are brokers after all :) Only answer to the ones I can either help or provide some insight onto the otherside of the fence ;) a+b) using the machine or not exhanging money for non customers incurs a...

Tobe of course you get charged a fee, those machines are cheap. They need constant servicing (to make sure they aren't 10cents out ;) )... they get a fair work out from existing customers. It's not there as a free service to non bank customers, one might ask why you didn't go to your bank and...

That's terrible. If that was me I would be putting in a formal complaint. People like this don't deserve jobs. I get the discussion as you could have a need for the account as it is free and provides you interest and a lot of businesses prefer to keep personal clear of business so not...

Yes agree at the branch Im based, any long applications etc are to be done in the office, front counter is for maintenance. In your case we are requesting that customer ring the branch and book in times for deceased estates, loan applications, safe custody access etc because they aren't quick...

In similar situation I would ask the client if they would like to me continue to follow up with them on a regular basis, I find most like to have regular contact... But in your case asking them to stop calling might be worthwhile :) Wasn't there so hard to comment, but you said they...

Haven't admitted anything ;) I can tell you though that my mother works for Westpac and Father for ANZ ;)

Is it the same staff calling you? If its annoying why not ask them to stop? I find that clients usually like it when I call them as shows that I care, most the time something's changed and they have been meaning to call me but have been too busy :) You might find that the person at the front...

Lol thanks PT. I haven't mentioned who I work for before, but it's usually pretty clear to most. Haha thats funny thats a big No-No with CBA

Who said I work for CBA?? ;) I am just an employee of a bank, just an investor on this forum :) I can tell you that CBA is heavily focus on customer service, which I believe directly relates to the performance in the Roy Morgan Customer Satisfaction Survey...

Anonymous. But alot of the time customer will tell me :) And sometimes you can tell by the comments that they make. Its mulitple choice around the service provided.

Probably a reason why your friend is an ex-employee. This information is wrong on a few accountants. CBA Bankers shouldn't be refinancing any broker deals unless they don't want to deal with the original broker anymore and the structure or loan type isn't correct. And this should go the...